Online Loan in Gurgaon

Online Loan in Gurgaon

Gurgaon is one of the most significant cities in India and home to operations of more than 250 Fortune 500 companies. Recently renamed as Gurugram, this city is known for its posh lifestyle and corporate environment. Located in the Delhi-Haryana border, this IT hub is a part of the National Capital Region of India.

In such a fast-paced city, visiting banking institutions for a loan can become excessively troublesome. For such issues, financial institutions offer an online loan. These are more convenient as no person-to-person interaction is needed, and one can apply for these any time they want to.

However, there are both secured and unsecured online loans offered by lenders at present. Thus, a borrower must understand their differences so that they can make a choice smartly.

Difference between Secured and Unsecured Online Loan

The status of being secured and unsecured can change a lot of things when talking about credit products. Lenders put forward the eligibility requirements and conditions based on this as well. The most prominent difference between secured and unsecured online credit facilities are:




Interest Rate





Not Needed


Only KYC documents, along with property papers (if LAP), are required

Lenders ask for income proof and KYC documents


Considerably more flexible than an unsecured loan

One shall possess 750+ credit score, credit utilisation ratio below 30%, and must meet the minimum income eligibility

Loan Amount

Depends on the LTV

Is determined based on the person’s eligibility

Approval time

Time-consuming if it’s a LAP, but takes only a few hours if it’s a gold loan

Usually lengthier than that of a gold loan but shorter than a LAP’s

Hence, unsecured loans may be suitable for individuals looking for collateral-free, quick financing. However, the loan amount may not be that substantial in this case, and the interest rate charged can also bear down a person’s hard-earned savings.

To that end, individuals can leverage their idle gold to avail a fast loan in Gurgaon. That’s because it’s not only a more affordable alternative, but the processing period is considerably shorter and the eligibility terms less stringent.

A Brief about Gold Loans

A gold loan is one of the most easily accessible and fastest financing options because the asset is highly liquid. Owing to that reason, the associated cost of borrowing is also considerably lower.

Moreover, the eligibility requirements are also less stringent in this case. Thus, applicants with a low CIBIL score or ones new to credit can acquire external financing as well without hassle.

Besides these, borrowers can enjoy a range of other benefits by opting for our gold-backed cash loan in Gurgaon

Salient Features of Rupeek’s Online Gold Loan

With our online gold loan in Gurgaon, borrowers never have to feel the burden of long repayment tenures or other lending issues. Our customers get:

  1. Lenient Eligibility

One only needs to be above 18 years old to avail our gold loan online. We do not ask for CIBIL score so that people with no prior credit history can also apply for a loan.

  1. Extremely Low Rate Of Interest

We understand that one opts for a loan when in need of funds and repayment can be a significant burden to their day-to-day life. Borrowers can enjoy monthly interest rates as low as 0.49% with us.

  1. Advantageous LTV Rate

Get a loan as high as 80% of your gold’s value from Rupeek. To understand how we calculate the LTV for your loan, refer to our gold loan calculator.

  1. Flexible Repayment Options

We offer repayment options like pre-interest payment, single bullet payment, instalment any time during the tenure, EMI payments, etc. Borrowers have the liberty to choose per their convenience and repay loans without hassle.

  1. Overdraft Facility for Instant Financing

Our existing customers can secure an extended credit line by opting for our overdraft facility named Rupeek Quick. With this, one can withdraw cash from their approved amount whenever they want, and the interest will be charged only on as much they have used.

We will Come to Your Doorstep!

At present we have our operations and representatives located in every corner of India. We will offer our doorstep facility and send our representative to your doorstep if you live in and around any of the following locations in Gurgaon.

  • Badshahpur
  • Manesar
  • Sultanpur
  • Gurgaon Sector 17
  • Garhi Harsaru
  • Gurgaon Sector 56
  • Sohna
  • Gurgaon Sector 33
  • Pataudi
  • Palam Vihar
  • Gurgaon Sector 45
  • Wazirabad

If you are looking for an immediate cash loan in Gurgaon, you can save your precious time by bunking searches for “online loan lenders near me”. Instead, download our App or visit our website and avail our gold-backed online loan to get rid of troublesome financial burdens.

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Benefits of Gold Loan over online loans.
  • <1 lakh
  • 2 lakh
  • 3 lakh
  • 5 lakh
  • 10 lakh
  • 20 lakh
Comparision Parameters Other online loans Online Gold loan
Interest Rate 2.39% 0.49%
Monthly Interest Amount
Eligibility & Documentation More Documents Needed Only KYC Needed
Processing Time & Disbursement 2 days to 1 week Within a day
Required Gold Weight -
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Frequently asked questions

  1. What are the documents required for a Rupeek gold online loan?

One only needs to submit their KYC documents and rent agreement/utility bills to apply for our gold-backed loan.

  1. Does Rupeek provide services in locations near to Gurgaon?

Yes, we offer our services in locations near to Gurgaon as well. We have partnered with several lending partners to reach as many families as we can.

  1. Can I pledge my gold coins against an online loan in Rupeek?

Our partnered lenders only accept gold jewellery against our online loans, and no other gold article is applicable.

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